Job Description

Job description:

We are seeking a highly motivated and detail-oriented entry-level Customer Service Finance Representative to join our team. In this role, you will be responsible for various aspects of the mortgage loan process, from origination to closing. Your duties will include tasks such as loan processing, underwriting, and post-closing activities.

Responsibilities

Loan Processing:

• Review loan applications for completeness and accuracy.
• Order and review credit reports, appraisals, and other necessary documentation.
• Verify income, assets, and liabilities.
• Calculate loan-to-value ratios and debt-to-income ratios.

Underwriting:

• Analyze loan files to ensure compliance with underwriting guidelines.
• Evaluate the creditworthiness of borrowers.
• Approve or deny loan applications based on underwriting standards.

Post-Closing:

• Prepare closing documents and coordinate with closing agents.
• Ensure timely and accurate funding of loans.
• Monitor post-closing activities to ensure compliance with regulatory requirements.

Quality Control:

• Review loan files for accuracy and completeness.
• Identify and resolve any issues or discrepancies.

Customer Service:

• Respond to inquiries from borrowers, real estate agents, and other stakeholders.
• Provide excellent customer service throughout the loan process.

Qualifications:

• Bachelor's degree or equivalent experience.
• Strong understanding of mortgage origination and underwriting guidelines.
• Experience with mortgage loan processing software.
• Excellent organizational and time management skills.
• Strong attention to detail.
• Excellent communication and interpersonal skills.
• Ability to work independently and as part of a team.

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